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Having a pellet stove can indeed raise your insurance rates since they're a relatively common cause of fires in the home. However, rate increases vary by insurance provider so you should reach out to yours to determine exactly how much your rates might increase with a new pellet stove install.

Ensure you have a safe environment for them to work on, and there aren’t items such as logs, build-up of yard materials, missing or damaged shingles, and weak areas on the roof. Communicate any known electrical issues with contractors at the beginning of the project, and consider hiring an electrician to fix those. Finally, if you are attempting the project yourself, do so when there isn’t any rain, and you can safely get your footing on the roof using proper equipment, such as an extension ladder. Don’t attempt this alone, and have a helper nearby to assist.

Your smoke detector might be too high in some homes or circumstances to reach yourself. If you feel unsafe getting on a ladder to replace your hardwired smoke detector, call a licensed electrician or local handyman to knock this project off your to-do list. If you have a battery-operated smoke detector, your local fire department can change the batteries or help you replace the detector—just make sure you call the non-emergency number.

In any case, do not let this project go unresolved, as it could turn into a huge safety issue.

The damper, located just above the firebox, can open or close the chimney flue. The damper should remain closed unless there’s a fire burning in the fireplace. Closing the damper prevents energy loss through the chimney and cold air from seeping into the home during the winter. Opening the damper helps maintain airflow when there is a fire and prevents smoke and gases from venting into the house.